Our Empirical Study of bank loans accessibility influence factors for SMEs

摘要

In this paper, we use the basic data of SMEs, released in 2007-2010 on News of China's listed companies, and randomly select samples of 100 small and medium enterprises. We also utilize the bank loans availability as a proxy variable to build a multiple linear regression model. In a word, our empirical research further affirms the existence of "the discrimination of scale" in the process of SMEs financing, verifies the severity of credit constraints in our small business, and shows that the bank lending policies using fixed assets as the collateral exacerbate the plight of small business financing.